About Us
Talisman S.à.r.l. is an independent commercial insurance broker, based in Luxembourg. We provide EU-compliant insurance solutions for commercial entities and business executives.
Supervised by the Commissariat aux Assurances (CAA), the Talisman team has decades of insurance expertise, in local and international insurance markets.
We create tailored insurance solutions for clients with exposures in single or multiple countries. Whether a client faces standard risks or has more complex, unusual needs – we align our skills and services to support the client’s time and resources.
Our Difference
We like to say we’re proactively different brokers. Through regular client engagement we forge long-term professional connections. Our clients declare that we go above and beyond the average insurance broker, becoming a trusted partner and part of their business family.
Whether you are a new or long-standing Talisman client, we invest time to understand your business and how to address the changing risks you may face. Our meticulous attention to detail and policy fine-combing is rare in the Luxembourg market.
Our Proactive Service
Demands & Needs
Our collaborative approach means we understand your business needs and can advise effectively on the risks you may face.
Early Renewal Contact
To ensure we meet your needs and reduce stress, we create sufficient time for informed decision-making.
Agree Strategy
We propose, discuss, advise and agree on the appropriate strategy together.
Ongoing Contact
We provide support to ensure your program remains accurate and relevant.
Create Programme
Tailored, Luxembourg-compliant programs using licensed insurers with reliable claims servicing capabilities.
Certainty & Structure
Clients gain more certainty and structure to better manage existing and potential risks.
Demands & Needs
Our collaborative approach means we understand your business needs and can advise effectively on the risks you may face.
Agree Strategy
We propose, discuss, advise and agree on the appropriate strategy together.
Create Programme
Tailored, Luxembourg-compliant programs using licensed insurers with reliable claims servicing capabilities.
Certainty & Structure
Clients gain more certainty and structure to better manage existing and potential risks.
Ongoing Contact
We provide support to ensure your program remains accurate and relevant.
Early Renewal Contact
To ensure we meet your needs and reduce stress, we create sufficient time for informed decision-making.
Our Expertise
Corporates
We support clients ranging from small and medium-sized enterprises (SMEs) to multinational companies, with the provision of commercial insurance placements and administration. Our service delivery is tailored to each client’s needs. To learn more about our insurance classes and capabilities, please contact us for our Client Service Standards document.
Funds
Our funds services team works closely with a range of funds based in Luxembourg and across Europe. We have substantial experience and a proven track record in the administration of a client’s insurance placements. Vitally, we also undertake the management and negotiations of allegations and claims received by clients.
Our team offers targeted comprehensive solutions, based on client-specific requirements. Our experience tells us that prospects and clients have principally focused on the risk exposures considered under Directors & Officers Insurance. Increasingly, it’s vital that other exposures faced by the entity are also reviewed and solutions considered e.g. Professional Indemnity, Crime, and Cyber Liability insurances.
Executives / Directors
Our Talisman Independent Executive Protection (TIEP) policy offers protection for Luxembourg Directors, Executive Directors, Independent Directors/Officers and others with a fiduciary role. Our varied clients typically include regulated, or unregulated entities, umbrella structures, corporate businesses, and charitable organisations.
Talisman Individual Executive Protection (TIEP) Policy:
Our Story
Talisman S.à.r.l. launched in January 2021. The Luxembourg-based entity was founded by Graham Cook, who has many years’ experience working with Luxembourg entities from the UK in the pre- and post-Brexit worlds.
Our team has decades of insurance expertise, in local and international insurance markets. Our directors – Pascal Lohest, Fred Gabriel and Graham Cook – work with our administration team to deliver exceptional levels of technical and professional knowledge, with a commitment to first class customer service.
We excel in the freedom of working as a truly independent broker, offering a more personal and responsive service to clients – far from the rigidity of corporate broking.
Our research shows that commercial insurance buyers value the greater flexibility and creativity offered by an independent broker and that regular engagement with clients enables us to consider the risks faced now, and in the future.
Pascal Lohest
Executive
Pascal is well known among the Luxembourg and wider insurance markets community. He has held many significant commercial insurance positions prior to joining Talisman, including CEO of Allia Luxembourg from 1996-2020.
Fred Gabriel
Director
Like Pascal, Fred has worked in the European insurance industry for decades, with the last 35 years in Luxembourg. He has held multiple management and client-facing roles in broking and insurance companies. He brings extensive insurance experience to Talisman, and is our Anti Money Laundering Officer (AMLO).
Graham Cook
Founder and Director
Graham has worked in the UK and Luxembourg for more than thirty years, managing complex single territory and multi-territory solutions. Graham has unwavering commitment to delivering exceptional client service to all clients in Luxembourg and the wider European area. Graham’s fastidiousness and attention to detail is central to the Talisman business ethic.
Partners & Associations
Talisman is an approved insurance partner and offers id Ship members a policy discount on its TIEP Policy.*
Talisman is an approved insurance partner and offers ILA members a policy discount on its TIEP Policy.*
Proud to be a member of APCAL.
* For details about the Talisman Independent Executive Protection (TIEP) policy and discounts click here.
Testimonials
Service / Claims
The Talisman team makes you feel that you’re the only client. They really focus on you and your needs. The ongoing service actions and all the follow ups are on time, and always done as they say they will be.
Independent director with more than 14 years’ experience
I take comfort from the professionalism and care taken by Talisman upon being notified. Their reactions and the work undertaken is speedy and thorough plus follow ups are regular and to the point. They ensure that the underwriters are kept informed throughout the process. This all reduces the workload and hassle for me.
Luxembourg holding company sector
Talisman gave me informed, succinct advice. It was reassuring to have a skilled, discreet advisor to hand. All the Talisman follow up actions and advice was swift and professional.
Independent director in the international funds sector
When do you know that your individual D&O insurance is doing what the broker promised? When you are getting overwhelmed with complex legal matters and litigation threats but you know you can call the people at Talisman for fast action and peace of mind. The team will do their utmost to co-ordinate between your needs and your insurance underwriter to provide instant confirmation of cover and support. I value the complete freedom to engage your lawyer of choice for an independent analysis and legal memorandum, so that you can continue to feel safe in your iNED role.
Independent Director with 35+ years’ experience in international capital markets and funds in Luxembourg
Corporate
The Talisman team not only understands the complexity of my professional life but the constantly changing exposures that I may face. It is reassuring to partner with such business professionals who can deliver a suitable insurance solution and support me through the year.
Independent Fund Director with more than 30 years’ experience/ Funds and Real Estate Sector
Talisman has such a depth of knowledge about risks – both corporate and individuals. They can therefore really explain issues very clearly and with expertise. Because of such knowledge – you can trust them.
Director in private equity and real estate sectors
Talisman Individual Executive Protection (TIEP) Policy:
Buying the Talisman Individual Executive Protection policy was an incredibly easy and financially sensible decision. The policy gives me extra peace of mind in today’s increasingly litigious environment
Independent director in the finance industry, with more than 42 years’ experience
It’s a professional ‘no-brainer’. I can offset the cost of the Talisman individual policy against my income within my tax return – whilst protecting myself, my family and my general finances. It’s a win-win arrangement.
Luxembourg Independent Director working in the regulated and unregulated fund industry with more than 28 years’ experience
I have been a contented holder of a Talisman Individual Executive Protection Policy for a few years. On more than one occasion I have had to notify Talisman of a potential claim, due to various circumstances arising within my Director portfolio. This was through no fault of my own – such issues do arise from time-to-time.
Luxembourg Independent Fund Director since 2013
It was a smart decision to purchase the TIEP policy as my additional D&O cover. There is a general lack of awareness within the industry about how potential liabilities could impact you as an independent director. In retrospect you may regret not being covered adequately if your primary coverage is challenged or exhausted.
Independent director with ten years’ experience in the international funds sector
To protect yourself as an independent director, you need three vital items on your side:
1. A good lawyer
2. A good accountant
3. A Talisman Individual Executive Protection policy.
Without these, don’t even risk sitting at the boardroom table.